Bank Accounts

You are legally entitled to a basic bank account. You are not required to provide utility bills or have a fixed address.

Who has a right to a basic bank account in the UK?

Can I apply for a bank account without utility bills or a fixed address?

  • You do not need to provide utility bills.
  • You do not need to have a fixed address.

Could I be refused a basic bank account?

  • If you are a UK resident you will only be refused if you have criminal convictions for fraud.
  • Banks do not have to give basic banks accounts to EU residents.
  • The law changed when the UK left the EU.
  • The original law was the Payment Accounts Regulations 2015.
    • This says that banks must offer basic bank accounts to anyone living legally in the EU.
  • It is now up to the bank to decide if EU residents are given basic bank accounts.

The following banks are legally required to give you a basic bank account:

If you are having difficulties, please contact the Friends, Families and Travellers helpline on 01273 234 777. We are open:

  • Monday to Friday
  • From 10.00am to 4.30pm
  • Closed on Bank Holidays

Correct as of December 2024.

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